Federal credit union · BATON ROUGE, Louisiana · NCUA charter #6584
LES
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $44.9M
- Total assets
- 4,917
- Members
- 11.5%
- Net-worth ratio
LES scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.9M; members 4,917; net-worth ratio 11.46%; health rank #2,752 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,752 of 4,374 health · 2025Q4LES · health 80/100 · $44.9M · 2025Q4
Call Report peers
LES in the assets neighbourhood
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LES vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LES sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for LES
- Loan-to-Share Ratio trails the peer set - 55.77% here, 59.80% peer average (-4.03 pp).
LES: in-state Call Report ranks
- Louisiana health ordinal: #63 of 138.
- Louisiana assets place: #50 of 138.
- Member book place in Louisiana: #46 of 138.
- One place up in Louisiana, FLEUR-DE-LIS (#62) ties at 80/100; one place down, FORMATION (#64) scores 79/100, 1 point lower.
LES: 2025Q4 → 2026Q1
LES: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $44.9M (2025Q4) to $45.7M (2026Q1).
- Net-worth ratio shifted -0.20 pp (11.66% → 11.46%).
At 11.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
LES gives up 20 points in total. Delinquency Rate costs the most, 7.5 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.5 pts
- Return on Assets 12.7 pts
- Member Growth 7.9 pts
- Loan-to-Share Ratio 11.9 pts
LES vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.46% | -3.40 pp |
| Delinquency Rate | 1.33% | +0.19 pp |
| Return on Assets | 0.35% | -0.36 pp |
| Member Growth | -0.59% | - |
| Loan-to-Share Ratio | 55.77% | -4.03 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.7M | - |
| 2025Q4 | $44.9M | 4,917 |
| 2024Q4 | $42.6M | 4,946 |
| 2023Q4 | $43.0M | 4,993 |
Credit Union Details
- Charter Number
- 6584
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- BATON ROUGE
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for LES.
| Office | City |
|---|---|
| LES Federal Credit Union (Main Office) | Baton Rouge, LA |
| LES Federal Credit Union | Baton Rouge, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
Other federally-insured credit unions in Louisiana, closest first by peer group and asset size.
LES nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- LES ranks #2,752 of 4,374 nationally on financial health and #63 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Willis Knighton is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Willis Knighton
Frequently Asked Questions
Is LES financially healthy?
LES has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,752 of 4,374 nationally on health and #63 of 138 in Louisiana. Its net worth ratio is 11.46% and its delinquency rate 1.33%.
How does LES compare to other credit unions?
LES scores 80/100, higher than 36% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (55.77% vs 59.80%).
How can I join LES?
LES operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact LES directly for the exact boundaries and application steps.
Is my money safe at LES?
LES is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. LES's net worth ratio of 11.46% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.